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How to Open a China Bank Account | Expat Guide for 2018

by Josh Summers @ Travel China Cheaper

How does one open a bank account in China? Whether you’re a foreigner who is on a travel visa or somebody who is living in China on a residence permit, opening a bank account in China has many benefits. Here’s a quick guide to help you open a China bank account. Thankfully, opening a bank […]

The post How to Open a China Bank Account | Expat Guide for 2018 appeared first on Travel China Cheaper.

How to Keep a Dog Off the Couch

How to Keep a Dog Off the Couch

by @ How to of the Day

If you're tired of your dog jumping on the couch, it's time to train your dog to stay off the couch. Start by setting out a comfortable dog bed or a piece of furniture that is only for your dog and offer treats to encourage your dog to enjoy its own bed. You may want to protect your couch with a cover while your dog learns to stay off of it. With a little training, your dog will be off the couch and in its own space in no time!

Spotahome Neighbourhood Guide: Best things to do in Soho, London

Spotahome Neighbourhood Guide: Best things to do in Soho, London

by Sabrina @ The Spotahome Blog

Soho is maybe the area of London that is hardest to pin down. Despite changes, the big brands, the coffee chains, the pulsing heart of London is still here.

How to Find the Best Health Savings Account

How to Find the Best Health Savings Account


Mom and Dad Money

Finding a health savings account can be a little overwhelming. Here are the steps I took to find the best health savings account for my personal needs.

Life Insurance Living Benefits Rider

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

This article was originally published on Cash Money Life | Personal Finance, Investing, & Career at Life Insurance Living Benefits Rider.

Having life insurance in place can allow you the peace of mind in knowing that those who love and care about will not have to face financial hardship in the case of the unexpected. That is because, in addition to providing funds for replacement of income, the cash that life insurance offers can also be ... Read More about Life Insurance Living Benefits Rider

~$~

All content copyright Cash Money Life | Personal Finance, Investing, & Career; if you are reading this on another website it has been illegally reproduced in violation of copyright laws.

Anywhere around Enge or Stadlehophen to get cigarettes?

by rickstevens @ English Forum Switzerland

Heya. Need to buy a pack of cigarettes. Anywhere near Enge or Stadlehophen open around now (midnight)??

Tax Residency for Indian-Owned Companies Incorporated Outside India

by Marc Gras @ Flag Theory

How Indians can still set up an offshore company About the Guiding Principles for determination of Place of Effective Management (POEM) of companies incorporated outside India India has enjoyed an economic steady growth during last

The post Tax Residency for Indian-Owned Companies Incorporated Outside India appeared first on Flag Theory.

How to Open a China Bank Account as a Foreigner

How to Open a China Bank Account as a Foreigner


Travel China Cheaper

Opening a China Bank Account isn't terribly difficult as long as you follow these three simple steps. Includes tips and special instructions you won't find anywhere

10 Bank Promotions That Pay You To Open An Account

10 Bank Promotions That Pay You To Open An Account


Investopedia

Find out which banks are running cash promotions this summer.

Opening a Bank Account in Thailand | IGLU | We Make Thailand Easy

Opening a Bank Account in Thailand | IGLU | We Make Thailand Easy


IGLU | We Make Thailand Easy

Opening a bank account in Thailand is not difficult however there are a few hoops to jump through. This guide will help make each step of the process easier

Labuan Offshore Financial Centre: Southeast Asia’s Best-Kept Secret

by Janice Lin @ Flag Theory

Labuan Offshore Financial Centre: Southeast Asia’s Best-Kept Secret Labuan, situated off the coast of the Malaysian state of Sabah on the island of Borneo, is a well-kept offshore secret. Whose name is derived from the

The post Labuan Offshore Financial Centre: Southeast Asia’s Best-Kept Secret appeared first on Flag Theory.

PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts

by Lindsay VanSomeren @ MagnifyMoney

PenFed Credit Union—also known as Pentagon Federal Credit Union—got its start in 1935. Since then, it has grown to become one of the largest credit unions in the country, with over 1.6 million members and $24 billion in assets. While it does offer in-person branches, anyone can also access their accounts online. Like most credit … Continue reading PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts

The post PenFed Credit Union CD Rates, Checking, Savings, Money Market, and IRA Accounts appeared first on MagnifyMoney.

Breaking up is easy with bonkers.ie

by @ bonkers.ie blog

One of the most inconvenient, needless to say, most boring parts of being an adult is having to take care of a litany of household bills that we’d rather not think about on a daily basis. In fact, the less time spent thinking about them the better!

At bonkers.ie we’re all about making things like switching consumer service providers to make sure you’re always on the best deal for you as easy and as hassle-free as possible!

In this article, we’ll give you a refresher on just how easy it is to use bonkers.ie to switch broadband, phone & TV providers, energy suppliers as well as mortgage lenders.

No one likes that awkward cancellation conversation. Compare providers and deals to find the best one for you, then let us take the wheel and do your breaking up for you!

#BreakUpsByBonkers

Broadband, Phone & TV  

Fed up with super slow broadband speeds when you’ve been advertised just the opposite?

Find you’re paying far too much for a landline connection you rarely use?

Looking to upgrade your TV package so you can kick back to some premiere live sports in the comfort of your own home rather than trekking down to the pub every time you want to watch a match?

If you answered yes to one or more of these questions, it might be time to break up with your current provider and find a better deal.

On bonkers.ie you can compare all broadband, phone & TV deals including details of price plans, broadband download speeds, TV channel packages, landline packages, bundle options and any perks that come with a particular deal, across all major providers on the Irish market.

There is some great value to be found on the market right now, with both Virgin Media and Vodafone offering compelling January sale deals. Better hurry though, there’s just a week left to snap these offers up before they revert to standard pricing!

Gas & Electricity

If there’s any household utility you should make a habit of reviewing and switching every year it’s your household’s energy bills.

Why? Simple. It pays to do so!

Lots of people are unaware that in a pretty saturated market (Ireland now has a total of 10 energy suppliers to choose from) suppliers find themselves in a position where they need to offer enticing sign-up incentives in order to attract new customers and drive up the competition.

This is good news for customers because it means that if you shop around you more than likely will find some great discounted sign-up offers and these typically last for the duration of 12 months (also typically the standard length of a contract). These discounts make for some significant savings on your energy bills.  

In fact, you could make an average saving of €379 right now by switching your gas and electricity from standard rates to the cheapest deals currently on offer.

Mortgages

When we think about switching service providers, switching providers for something as big as a mortgage is not something that pops into mind straightaway and the exceptionally low figures for people carrying mortgage switches in Ireland reflect this mindset.

Though just 777 borrowers switched or remortgaged in the third quarter of 2017, it represents a 15% growth on the year and it’s expected that those figures are only going to grow in 2018.   

In fact, experts at MyMortgages.ie have predicted that switching will experience double-digit growth in the first six months of the year. This is because an increasing number of mortgage holders are becoming aware that switching to a lower rate can potentially save them thousands on the remainder of their loans!  

Check out this example to see what we mean:

A couple with €390,000 (LTV <80%) outstanding over 28 years on a 4% variable rate switched lenders to a 4 year fixed rate of 2.6% bringing monthly repayments down by €300, saving interest of €99,000 over the remaining term!

Like those figures? Why not compare mortgages right now and see how much you could save.

Looking for more info?

If you’d like to find out more about on any of our comparison services - which are not limited to those mentioned above but also cover health insurance, serious illness cover, personal loans, credit cards, prepaid cards and current accounts - you’ll find that each sector has its own dedicated price comparison calculator.

Additionally, we have a very active a thorough blog dedicated to providing coverage on changes in the markets we cover as well as advice and tips on how to save money.

Don’t forget to check out bonkers.ie TV too which also covers all of these topics in video form.

Finally, to make sure you never miss out on the latest personal finance news, you should follow us on social media. We’re very active on Facebook, Twitter, LinkedIn, Instagram and Google Plus. You can contact us during business hours on any of these platforms and we’ll get back to you double quick!  

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

29 Tools and Resources to Help You Make the Most of Your Money in 2018

by Matt Becker @ Mom and Dad Money

Knowing what you want to improve about your financial situation is one thing. Knowing HOW to do it is another. There's a maze of banks, investment companies, apps, websites, and everything else, and deciding between them can feel impossible. Here's a list of 29 of my favorite tools so that you can stop deliberating and start taking action.

The post 29 Tools and Resources to Help You Make the Most of Your Money in 2018 appeared first on Mom and Dad Money.

5 ways to beat the war on cash

by Edmund John @ Flag Theory

5 ways to beat the war on cash There is a war on cash, and the reason is NIRP. Here is what you can do. The European Central Bank is considering banning €500 notes, as

The post 5 ways to beat the war on cash appeared first on Flag Theory.

Best student bank accounts 2018

Best student bank accounts 2018


Save the Student

What is the best student bank account for 2018? We review and compare the major banks who offer student accounts plus tips on choosing the best one for you.

Best London Bank for Expats: How to Open a Bank Account in the English Capital

Best London Bank for Expats: How to Open a Bank Account in the English Capital


The Spotahome Blog

If you are an expat in London and looking for a bank? This guide will help you decide what the best London bank for expats is

World’s best passports and taxation

by Marc Gras @ Flag Theory

How world’s best passports holders can reduce their tax liability with the proper internationalization strategy Firstly – what makes a passport good? In our opinion, it’s how much visa free travel is given and what is the tax

The post World’s best passports and taxation appeared first on Flag Theory.

4 Places to Keep Your Emergency Fund​ | Discover

4 Places to Keep Your Emergency Fund​ | Discover


Discover Bank - Banking Topics Blog

Explore 4 places where you could keep your emergency fund to grow your savings in the event of an emergency. Find out which accounts work best for you.

Fixed 2% mortgage rates on the way for some first-time buyers

by @ bonkers.ie blog

The challenges facing Ireland’s first-time buyers are well-documented.

Rents are at an all-time high, house prices are up 9.2% year on year and the banks still require a minimum deposit of 10% from first-time buyers looking to get on the property ladder.

Coupled with a chronic housing shortage, these conditions have created a perfect storm of barriers for prospective buyers.

To help make housing more accessible, the Government recently renewed its commitment to the Help-To-Buy Scheme and has now launched a new initiative, designed to help certain first-time buyers who have been unsuccessful in their attempts to make that elusive house purchase.

What are the details of the new scheme?

From February 1st, first-time buyers who meet certain criteria (detailed below) will be able to apply for a Government-funded Rebuilding Ireland Home Loan from a local authority.

The Government has committed €200 million to the scheme for 2018. If it’s successful, this amount could be increased next year.

What are the eligibility criteria?

To qualify, first-time buyers must have a gross annual income of €40,000 or less; couples applying together must earn must earn €75,000 or less.

Applicants must also have had mortgage applications rejected or been offered a loan that wasn’t large enough to make a purchase on at least two occasions.

What type of property can be purchased with a Rebuilding Ireland Home Loan?

Rebuilding Ireland Home Loans can be put towards new builds, second-hand homes and self-builds.

Houses with a value of up to €320,000 in the greater Dublin area, Cork and Galway can be purchased under the scheme. In all other parts of the country, values are capped at €250,000.

The Central Bank’s loan-to-value ratio rule still applies, meaning that first-time buyers must provide a deposit of 10% when making a purchase.

What mortgage rates are available?

Mortgage rates of as little as 2% to 2.25% are available with a Rebuilding Ireland Home Loan.

Significantly, these rates are fixed for 25 to 30 years, giving certainty and peace of mind to borrowers.

These rates will be the lowest first-time buyer rates available on the Irish market by some margin.

How do Rebuilding Ireland Home Loan rates compare to the banks’ best rates?

Ireland’s mortgage rates are still among the highest in the EU, despite cuts from most leading lenders in 2017.

The best first-time buyer rate available at the moment is 3.15%. So, a Rebuilding Ireland Home Loan will be significantly cheaper over the lifetime of a mortgage.

Take a first-time buyer looking to buy a house in Dublin for €320,000, for example. Let’s say she/he has the requisite 10% deposit (€32,000) and is looking to borrow the remainder; €288,000.

With a repayment rate of 3.15%, her/his monthly repayments will be €1,388 every month. Over 25 years, that’s a total of around €416,000.

With a fixed rate of 2%, however, a mortgage for the same property would cost €1,220 every month, or about €366,000 over 25 years. That’s over €50,000 cheaper.

How can I apply?

The Government's new scheme will launch on February 1st when rebuildingirelandhomeloan.ie goes live.

First-time buyers who don’t qualify for a Rebuilding Ireland Home Loan should compare mortgage rates from Ireland’s leading lenders to find the best rates available.

Pressure on the banks

This latest attempt by the Government to tackle Ireland's housing issues is unlikely to solve the fundamental problems of low supply and pent-up demand, but it should significantly help a select group of first-time buyers.

The greatest impact of the initiative could be the pressure it puts on Ireland's leading lenders. Borrowers across the country will rightfully wonder why it is feasible for the Government to fund loans at 2% over 25 years, at a time when traditional lenders still seem reluctant to offer sub-3% loans to anyone.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

How to Prune a Bonsai Tree

How to Prune a Bonsai Tree

by @ How to of the Day

A bonsai tree needs regular pruning to maintain its size and to shape it to a desired style. There are 2 types of pruning: maintenance pruning, which keeps the tree small and encourages new growth, and structural or stylistic pruning, which shapes the tree and enhances its aesthetic. Whether you want to prune your bonsai tree for maintenance or style, and no matter what type of bonsai tree you have, you need only a critical eye and bonsai branch or knob cutters to get started.

The Best Extended Car Warranty

by Philip Palermo @ Reviews.com

Best VPN for China 2018 (with Discount Codes)

by Josh Summers @ Travel China Cheaper

What are the best VPNs for China in 2018? That’s a loaded question that often gets met with simple answers from people who don’t even live in China. I’ve been living here for 10 years and I’ve worked with 20+ VPNs. While there are plenty of options to choose from, I’m aiming to let you know […]

The post Best VPN for China 2018 (with Discount Codes) appeared first on Travel China Cheaper.

How to Track a Package Without a Tracking Number

How to Track a Package Without a Tracking Number

by @ How to of the Day

A tracking number allows you to follow the delivery of a package as it’s being shipped. If you’re in a situation where you don’t have a tracking number, many of the major package delivery companies now have free tools that allow you to track your package online without one. To use these tools, you’ll have to visit the company’s website and register for an account. Once you make your account, it’s just a matter of logging in and finding the correct package based on other shipping details.

Best Places to Work & Study Remotely in Turin

Best Places to Work & Study Remotely in Turin

by Sabrina @ The Spotahome Blog

Turin is one of the most underrated Italian cities, but there is so much to see and do. Discover where you can work whether you're a freelancer or a student.

How to Calculate Your Cycle Length

How to Calculate Your Cycle Length

by @ How to of the Day

Calculating your menstrual cycle is an easy task that can tell you a lot about your body. By looking at the number of days between the start of your periods, you can get a better idea of when you are most fertile and your overall reproductive health. In addition, tracking your flow, your symptoms, and any irregularities in your cycle can help you get more in tune with your body, and provide you with warnings of possible medical complications.

The Best Spin Bikes

by Philip Palermo @ Reviews.com

Requirements to Get Your Personal Loan Approved

by Marty Minchin @ MagnifyMoney

For the right consumers, personal loans can be a quick way to get much-needed cash for anything from a home repair to a college tuition. With the right qualifications, you can be approved for a personal loan in the morning and have the cash deposited into your account in as little as one day depending … Continue reading Requirements to Get Your Personal Loan Approved

The post Requirements to Get Your Personal Loan Approved appeared first on MagnifyMoney.

Carnival in Europe: The Biggest Celebrations, Practices and Traditions

Carnival in Europe: The Biggest Celebrations, Practices and Traditions

by Sarah Mildenberger @ The Spotahome Blog

The carnival celebrations in Venice are world famous but it's worth checking out Düsseldorf, Cologne and the Spanish islands of Tenerife and Gran Canaria

The Guinea Pig Paradox...

by martin959 @ English Forum Switzerland

So, a friend and I were walking in the street when suddently we saw a petshop, in it among all the animals there were... Guinea Pigs... I enter the Shop to ask how much would it cost to have ONE Guinea Pig, and the employee answer if I already have one, which I answer to that with a simple no... She told me that I should get 2 instead, since according to the law, "Guinea Pigs should always live with a partner since there are quite social pets..." and that might be the case that someone could visit your house to check if your pets are all right and so on... I said thanks and that I was going to think about it anyways, while we were walking away I started to do some simple thinking... IF you have 2 Guinea Pigs, and then suddently one of them dies, you will have to buy another one, so one of the first wont be alone... but then, when this one dies, the 3rd one that you bought will AGAIN be alone, and THEREFORE you will have to buy the 4th one... and son, and on and on and on... We got to a conclusion that if you ever have to buy a Guinea Pig, you will have to buy infinite Guinea Pigs for the rest of your life................................................... Image: https://media.giphy.com/media/tHufwMDTUi20E/giphy.gif (Friday post came early this week... :D )

How to Open a Business Bank Account - Bplans Blog

How to Open a Business Bank Account - Bplans Blog


Bplans Blog

There’s more to opening a business bank account than going to your local branch and filling out an application. Here’s what you should consider.

IRS Form 5472 regulation amendment on Foreign-Owned Domestic Disregarded entities

by Marc Gras @ Flag Theory

IRS Form 5472, new requirements for foreign-owned US companies An easy-understanding  guide of the IRS Form 5472 Despite the political turnaround that has taken place in The White House and the uncertainty created about how this

The post IRS Form 5472 regulation amendment on Foreign-Owned Domestic Disregarded entities appeared first on Flag Theory.

How to Balance a Checkbook in 2018

by Jeff Gitlen @ LendEDU

After we entered the digital age of banking, many people felt comfortable giving up check registers and balancing checkbooks because they can monitor their checking account online. However, being able to balance a checkbook is still a useful skill to have in personal finance. If you are living paycheck to paycheck, then you might benefit […]

The post How to Balance a Checkbook in 2018 appeared first on LendEDU.

Best Business Bank Account for Startups in Ireland?

Best Business Bank Account for Startups in Ireland?


Accountant Online

What's the best business bank account for your startup? Your account should match your business needs- check transaction fees, offers & features. Read more

The countdown to the 2018 bonkers.ie National Consumer Awards is on!

by @ bonkers.ie blog

We can’t wait to see all of the shortlisted nominees next Thursday at the beautiful Round Room at the Mansion House. Speaking of the shortlist, let’s remind ourselves which companies made the grade this year… 

Virgin Media leads the way with six nominations, Energia and Electric Ireland both have five nominations and eir has four.

Below is a full list of the companies that made the shortlist and you can view all of the categories on our dedicated awards site here.

The Shortlist:

  • Bord Gáis Energy

  • Eir

  • Electric Ireland

  • Energia

  • Flogas

  • Just Energy

  • KBC Ireland

  • Netflix

  • NOW TV

  • Pepper Mortgages

  • Permanent TSB

  • Pinergy

  • Pure Telecom

  • Sky Ireland

  • SSE Airtricity

  • Virgin Media

  • Virgin Mobile

The bonkers.ie National Consumer Awards will celebrate excellence in customer value in thirteen categories across banking, broadband & TV, energy, marketing and service.

The winning company in twelve of the thirteen categories will be selected by an independent judging panel, which is chaired by Bobby Kerr and includes an array of industry experts such as Michael Mulhall, Peter Callan and Lucy Campbell.

Best Customer Service – public vote

The winner of the Best Customer Service category will be selected by members of the public. This highly competitive category will be contested by Electric Ireland, Flogas, Pure Telecom, Sky, SSE Airtricity and Virgin Media.

A night to remember...

If the resounding success of last year’s awards is anything to go by, attendees are in for a treat! We look forward to greeting you at 6.30PM next Thursday but until then be sure to check out our awards website for full details of what’s in store.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Mashed Potato in Switzerland

by AletschBub @ English Forum Switzerland

I was brought up in Northern Ireland If I don't have potato at least 4 times a week in my evening meal I start to suffer withdrawal symptoms. Obviously I love R�sti - but I need mash. While there is a good selection of potatoes in most Coops (I cant say the same for Migros or Denner) most of them are of the waxy type rather than the floury sort needed for mash. So I buy the oldest narliest looking potatoes and boil and mash them - and they are ok - but not like mash in the UK. So here we come to the confessional bit. After a rant about this recently someone told me to try Stocki (the Swiss equivalent of Smash). I have to confess I rather like it. Have I gone mad in my old age - or is it actually quite good?

Banking 101: What Do You Need to Open a Bank Account?

Banking 101: What Do You Need to Open a Bank Account?


Deposit Accounts

Many of us are interested in having a place to keep our money. A bank or credit union can offer the opportunity for you to earn interest on your deposits, as...

9 Great Work Opportunities in London

by londonguest @ London Expats Guide

London certainly is a fabulous place to work. Not only are you surrounded by some of the world’s most iconic buildings (The Tower of London, St Paul’s and Big Ben, to name but a few), but some of the world’s best companies are here to help you forge your way up the career ladder. Here are 9 fabulous...

The post 9 Great Work Opportunities in London appeared first on London Expats Guide.

The Best Foundation

by Amanda Cole @ Reviews.com

Offshore Banking in 2017 – Where, How & Why | Sovereign Man

Offshore Banking in 2017 – Where, How & Why | Sovereign Man


Sovereign Man

Learn about Four Excellent Offshore Banking Options that are available to foreigners (Even Americans) & much more in this in-depth guide.

The 7 Best National Banks In America for 2018

by Jeff Rose @ Good Financial Cents

Everyone needs a safe place to stash their money, instead of burying it in the backyard (or worse, under your mattress). If you're looking for a new bank, you have hundreds of options to choose from, but every year, it seems like there are more banks who enter the market. And we know, every bank... Continue Reading-->

The post The 7 Best National Banks In America for 2018 appeared first on Good Financial Cents.

Bord Gáis Energy launches new bonkers.ie exclusive energy deals

by @ bonkers.ie blog

It’s been a rough couple of months for Irish consumers, with gas, electricity and broadband providers announcing price hikes right, left and centre, with many of these increases coming into effect just before Christmas last month. 

However, we've seen some value return to the energy market this month, as earlier this week both SSE Airtricity and Just Energy launched new discount offers and now Bord Gáis Energy has joined their ranks with some new special offers of its own. 

From today you’ll be able to save an average of €194.31 by switching your electricity bills or €288.05 by switching your gas and electricity to Bord Gáis Energy.  

Save €194 on electricity

Bord Gáis Energy is offering a 28% electricity discount to new customers who sign up via bonkers.ie from today. 

With the discount included, customers will pay 13.26 cent (inc. VAT) per kWh of electricity over the course of a 12-month contract. At this rate, customers with average consumption will spend about €810.93 on electricity over the course of the year, with all taxes and charges included.

That’s about €194 cheaper than typical standard rates and makes this deal from Bord Gáis Energy the cheapest on the market right now.

Save €254 on gas and electricity

If you decide to switch dual fuel, Bord Gáis Energy is offering a 31% electricity discount and an 18% gas discount to new customers who sign up via bonkers.ie.

With the discount included, customers will pay 12.70 cent (inc. VAT) per kWh of electricity and 4.776 cent per kWh of gas over the course of a 12-month contract.

On these rates, customers with average consumption will spend about €1,452.26 on gas and electricity over the course of the year, with all taxes and charges included, making this deal from Bord Gáis Energy the cheapest dual fuel offer on the market right now.

Time to switch? 

These are some great value offers from Bord Gáis Energy and if you haven't switched suppliers in the last year, it's definitely worth carrying out a quick comparison on bonkers.ie to find the best deal for you. Need more convincing? Check out the video below:

The switching process only takes a few minutes and you’ll only need three pieces of information to sign up; your MPRN and GPRN (which are written on your electricity and gas bills respectively) as well as a recent meter reading.

Don’t forget to compare all deals

If you are thinking of switching, be sure to compare all deals from all suppliers before you make any decisions to make sure that you’re getting the best deal for your own personal consumption habits.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Do Student Loan Borrowers Understand Loan Fees? | LendEDU – NASFAA Collaborative Study

by Mike Brown @ LendEDU

Even though student loan debt has climbed to an all-time high in the United States- with over $1.45 trillion outstanding - Americans somehow still have a limited grasp of the industry. A LendEDU poll of student loan borrowers, a cohort that should know the subject very well, found that half of them believed their student loans would be forgiven. In reality, a very small portion […]

The post Do Student Loan Borrowers Understand Loan Fees? | LendEDU – NASFAA Collaborative Study appeared first on LendEDU.

How to Open an LLC Bank Account

How to Open an LLC Bank Account


legalzoom.com

Having a bank account in your LLC’s name is an important aspect of running your business. Opening an LLC bank account shouldn’t be difficult, provided you do your research and bring the proper papers.

20+ Best Bank Promotions & Bonus Offers ($100 Minimum!)

20+ Best Bank Promotions & Bonus Offers ($100 Minimum!)


Wallet Hacks

See the best nationally available bank promotions and signup bonuses available ($100 minimum!) - we keep this list of 20+ bank offers updated weekly. No expired promotions or tiny banks listed, just nationally available, easy to get promos.

Who Has The Best Car Insurance for Young Adults in 2018?

by Jeff Rose @ Good Financial Cents

When you’re a teenager or young adult, buying car insurance isn’t the most pleasant of experiences. On the one hand, auto insurance coverage is required for all drivers in every state in the US (except New Hampshire). On the other, teenagers and young adults pay the highest premiums for coverage. We’re going to try and... Continue Reading-->

The post Who Has The Best Car Insurance for Young Adults in 2018? appeared first on Good Financial Cents.

‘Irreversible and regrettable mistake’: Influential Catholics warn Vatican deal with China could cause irreparable harm

by Catherine Lai @ Hong Kong Free Press HKFP

A group of influential Catholics published an open letter on Monday warning that a potential deal between the Vatican and the Chinese government could cause irreparable harm. The two sides are reportedly close to a deal over the appointment of bishops after several years of negotiation. While the Vatican maintains the global right to appoint bishops, Beijing has appointed its […]

The post ‘Irreversible and regrettable mistake’: Influential Catholics warn Vatican deal with China could cause irreparable harm appeared first on Hong Kong Free Press HKFP. Author: Catherine Lai.

The Resume Shuffle

by Barbara Davidson @ CashNetUSA Blog

During the height of the Great Recession, the unemployment rate reached 10%; recently, it has dropped to 4.1%.1 However, there’s a “shadow” statistic that’s rarely reported: the labor participation rate, which is the percentage of Americans who are either working full-time, or are actively seeking full-time employment. Immediately preceding the recession the […]

The post The Resume Shuffle appeared first on CashNetUSA Blog.

Flag 4: Offshore Banking

by Edmund John @ Flag Theory

Depending on your individual citizenship and passport situation, you might have a much greater or lesser option for offshore banking. Countries and individuals facing sanctions might have difficulty opening up an account in certain jurisdictions. However, there are plenty of benefits to offshore banking for most nationalities. Here is a list:

The post Flag 4: Offshore Banking appeared first on Flag Theory.

New Estimated Annual Bill rule will make it much easier to spot good electricity deals

by @ bonkers.ie blog

Electricity prices have been too confusing for too long.

New research from the ESRI has proven something we’ve had a hunch about for a long time - the way electricity prices are structured and marketed isn’t as clear as it could be.

Most suppliers offer big discounts to new customers, and those discounts can range from 5% all the way up to 33%. But here’s the catch: those discounts are often taken off different unit rates, depending on the supplier.

So, a supplier offering a 30% discount isn’t necessarily going to be cheaper than a supplier offering a 20% discount.

Pretty confusing, I’m sure you’ll agree.

Thankfully, the CRU agrees too and has introduced a new rule, forcing suppliers to provide an estimated annual bill in their ads.

ESRI findings support Estimated Annual Bill rule

To test to the potential effectiveness of the new Estimated Annual Bill rule, the ESRI has run a number of experiments to give us an insight into the factors that influence our decision-making when choosing an electricity supplier.

In one experiment, 36 consumers were presented with pairs of electricity deals and asked to pick their favourite. The prices of some deals were presented as discounts from standard rates and others were presented as actual unit rates (i.e. no discounts).

When participants were shown prices presented as discounts off standard rates, they chose the cheapest option 54% of the time. But when they were shown actual unit rates, they chose the cheapest option 80% of the time.

We’ve all been confused by electricity prices and bills in the past, but the ESRI’s findings prove that this confusion has, in many cases, led to costly wrong decisions.

In a second experiment, 40 consumers were shown a series of ads, some of which included an estimated annual bill for average users expressed in euro terms, others of which didn’t.

Unsurprisingly, participants were more successful at accurately identifying good value when the estimated annual bill was displayed. And as it happens, when the estimated annual bill was presented with the same prominence and font as other pricing information, accuracy improved further.

These findings bode well for us consumers. We can expect to see a clear estimated annual bill the next time we’re presented with printed advertising or marketing material. From mid-2018, suppliers will also have to include an estimated annual bill on radio and TV ads.

Clarity for consumers

The CRU’s decision to require Ireland’s electricity suppliers to display an estimated annual bill in their marketing material is good news for consumers and a big step forward in improving transparency in the domestic market.

The final price a customer pays for electricity is made up of a large number of items - unit rate, standing charge, PSO levy, VAT and, in some cases, a prepayment service charge. With so many things to consider, it can be very difficult to make informed decisions, and the ESRI’s research confirms this.

Thanks to the CRU’s new regulation, it will be much harder for suppliers to spin their offers as better value than they actually are and to confuse consumers into making costly bad decisions.

Greater transparency in the electricity market will allow households to make informed decisions when choosing a supplier and, ultimately, to save money on their bills.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

How to open a student bank account in the UK - Student.com Blog

How to open a student bank account in the UK - Student.com Blog


Student.com Blog

If you’re not quite sure how to open a student bank account In the UK, here is a useful guide with everything you need to know. 

Hong Kong: The worst place in the world for a startup to open a bank account? | Hong Kong Free Press HKFP

Hong Kong: The worst place in the world for a startup to open a bank account? | Hong Kong Free Press HKFP


Hong Kong Free Press HKFP

By Shaun Cunningham Over the past 12 months, in our efforts to open a business bank account, our Hong Kong startup was rejected by no less than four banks. Our crime? We were told our business was “too young” for a bank account, which is curious since startups tend to …

Hip Replacement Surgery Cost and How to Finance It

by Jeff Gitlen @ LendEDU

If you've been suffering for years with hip pain and have run out of treatment options, your doctor may suggest hip replacement surgery. During the procedure, the hip joint is removed and replaced with an artificial joint made from plastic and metal components. Hip replacement surgery is invasive and requires four days in the hospital, […]

The post Hip Replacement Surgery Cost and How to Finance It appeared first on LendEDU.

Open an Offshore Bank Account - 5 Ways to (Easily) Open it...

Open an Offshore Bank Account - 5 Ways to (Easily) Open it...


International Living

I remember walking into Credit Suisse in downtown Chicago back in 1986 to open my first international account. It was as simple as filling in a one-page...

The 10 Best Checking and Savings Accounts for Your Money | Student Loan Hero

The 10 Best Checking and Savings Accounts for Your Money | Student Loan Hero


Student Loan Hero

Are you looking to open a bank account? Here is your guide to some of the best checking and savings accounts available today.

The 8 Best Bank Promotions (Checking and Savings) in 2018

The 8 Best Bank Promotions (Checking and Savings) in 2018


The Dough Roller

Looking for the best checking accounts or savings accounts? These bank promotions can get you cash back when you open a new account and a top APR.

The Best Online Savings Accounts in February 2018

by LaTisha Styles @ MagnifyMoney

Updated February 9, 2018 After years of low interest rates, there is a pricing war happening for online savings accounts. Long gone are the days of 0.01% APY. If you are willing to open an online savings account (which is FDIC insured), you can now easily get a 1.50% APY or higher. Interest rates are … Continue reading The Best Online Savings Accounts in February 2018

The post The Best Online Savings Accounts in February 2018 appeared first on MagnifyMoney.

You Can Use American Express Card Points on Grubhub

by Jeff Gitlen @ LendEDU

Grubhub is a food delivery service available for 75,000 restaurants in 1,300 U.S. cities plus London. Through Grubhub’s web site or app, users can enter their address and search through all the restaurants that have a delivery service to their location.When a user places an order through Grubhub, the order is sent to the restaurant. […]

The post You Can Use American Express Card Points on Grubhub appeared first on LendEDU.

Tips to Save More on Holiday Expenses

by Barbara Davidson @ CashNetUSA Blog

The holidays are a time for friends, family, celebrating and… spending way too much money. Between gifts, parties and festive events, you end up starting the year at zero, which never feels good. This year, keep some of that money in your bank account without sacrificing any of the jolly […]

The post Tips to Save More on Holiday Expenses appeared first on CashNetUSA Blog.

How to Open a Bank Account in London - London Expats Guide

How to Open a Bank Account in London - London Expats Guide


London Expats Guide

There are many different banks to choose from in London. Some are large, global entities. Others are much smaller. They all tend to offer pretty similar services. For a current account (known as a checking account in some countries), you’d expect to be offered a standard package at whichever bank you choose to go to. This would include the following: The ability to pay bills by standing orders and direct debits A debit card (also used to withdraw money from ATMs) A cheque book – although cheques are gradually being phased out in the UK, with many retailers (such as Tesco) refusing to take them any more Internet and telephone banking   You need a bank account in the UK in order to have your salary paid into. Bank statements are also a useful form of identification or a form of proof of your address. However, one major stumbling block that some expats come across when trying to open a bank account in London is that you’ll be asked for proof of address when opening the account. If you’ve just arrived, this can sometimes be a challenge, as you may not yet have a permanent place to live, or do not yet have utility bills in your name. One clever way around this is to register your bank account in your home country with a UK address. If you’re staying in a hostel, ask the owner if you can temporarily use that address, or if you’ve already got a place to stay, then register that address. Alternatively, speak to a friendly relative or close friend who’ll agree to using theirs. Then you simply go online to your home bank account, print off a statement, and voila! You have your proof of address. So, what banks can you approach? Well, there are loads to choose from. Some of the better known banks include: HSBC Lloyds Barclays Metro Bank Natwest Halifax First Direct Santander Nationwide   It’s possible to open accounts online, or you can simply go into the nearest branch of your chosen bank and fill in a form. You will need to take a couple of forms of ID (driving licence, passport etc.) and as mentioned above, proof of address. It’s common for banks to run credit checks on new customers. This is to find out if you’ve had problems with any credit repayments in the past. For those who’ve been bankrupt in the UK, you will find that you’re restricted on the types of bank accounts you’re allowed to open. Once all the paperwork has been completed, it takes a few days for the account to actually be opened and get up and running. It will take up to 5 (or even 10) working days for your debit card to arrive. You’ll then have to wait for your PIN to arrive, so you can use the card. A PIN is a “personal identification number” that you should not disclose to anyone else. This allows you to make payments with your debit card and withdraw cash from ATMs.   Extra facilities offered with bank accounts Once you’re bank has run a credit check on you, you may be asked if you’d like an overdraft facility. Some banks offer a small overdraft without fees – such as Barclays, who provide a £250 overdraft with all current accounts.   Some accounts, such as Natwest, offer cashback on bill payments – up to 3% in some cases, but with a capped maximum amount.   Others offer interest payments on credit balances – Santander pays 3% on balances between £3,000 and £20,000.   Other banks offer money when you open a new account. First Direct offers £100 when you join. The Co-Op bank is currently offering £100 when you open an account, and also donates £25 to charity.   Nationwide provides free European travel insurance, and they also offer a 0% fee overdraft facility for the first 12 months.   Alternative banking possibilities  There are some alternatives to regular bank accounts. For instance, M&S offers a current account and gives a free £100 gift card when you open one. They also provide a £500 overdraft, with the first £100 being interest free.   How to choose the best bank account for you Although most current accounts offer fairly similar services, each one differs slightly from the next. Because of this, when looking to open a bank account in London, it’s best to compare what is on offer. This used to be a tedious task, but now, thanks to the many comparison websites, this has become simplicity itself. For instance, Uswitch offers an easy way of comparing various different accounts in seconds. You can look at the cost of overdrafts, interest rates paid, any monthly account fee. Other comparison website such as Money Saving Expert and Compare The Market offer a similar service.   What if I’ve got bad credit or no credit rating at all in the UK? The main problem expats might have when trying to open an account in London is that they’ve got no credit rating in the UK. Thankfully, there are some specific ways around this. One is to open an HSBC Passport account. This is an account tailored specifically for expats coming to the UK. Not only will they meet all your banking needs, but they also understand that you won’t have a credit history when you first arrive. The Passport account guarantees to give you a UK debit card, Internet banking, telephone banking and all the usual facilities you’d expect from a current bank account. In addition, they also provide you with competitive international money transfers, a Western Union card, a £10 pre-loaded sim card with 75 free international minutes, and a multi-lingual relocation advice service over the phone, available in eight different languages. If you’d prefer to look elsewhere, there are some specific UK providers for those with no credit history or bad credit. These include Eccount Money, Card One Banking, and Icount, and provide limited banking/card …

Goldman Sachs Eyes Buying Personal Finance Startup Clarity

by Mike Brown @ LendEDU

Goldman Sachs, whose building (left) highlights the Jersey City skyline, is in talks to buy personal finance startup Clarity Money. Insiders say Goldman Sachs Group Inc. is eyeing the possibility of buying Clarity Money, a personal finance startup. Those unidentified sources said Goldman Sachs intends to mesh it with Marcus, its online personal loan lender.Although a […]

The post Goldman Sachs Eyes Buying Personal Finance Startup Clarity appeared first on LendEDU.

Estonian E-Residency, Incorporation, Banking, Investing & Residence Permits

by Marc Gras @ Flag Theory

How to set up an EU company in 20 min and reinvest your profits tax free with the Estonian E-Residency Estonia has been the first country in the world to introduce the E-Residency concept, a digital

The post Estonian E-Residency, Incorporation, Banking, Investing & Residence Permits appeared first on Flag Theory.

Anywhere around Enge or Stadlehophen to get cigarettes?

by rickstevens @ English Forum Switzerland

Heya. Need to buy a pack of cigarettes. Anywhere near Enge or Stadlehophen open around now (midnight)??

How to Refinance Small Business Loans

by Jeff Gitlen @ LendEDU

These days it's rare to find a small business that hasn’t taken on some form of debt to get started or get to the next level. Financing is almost a necessity at some point, and in many cases, a business obtains it under less than favorable circumstances. Small businesses that don’t have an extensive credit […]

The post How to Refinance Small Business Loans appeared first on LendEDU.

Top 11 Best Online Savings Account Banks - Start Making Interest Today!

Top 11 Best Online Savings Account Banks - Start Making Interest Today!


Good Financial Cents

The industry's low interest rates don't have many excited about online savings accounts, but liquid and safe saving should still be part of your financial strategy. We outline the best accounts so that you can start earning interest today.

How Much Interest Would You Earn on a Million Dollars?

by Jeff Gitlen @ LendEDU

“If only I had a million dollars in the bank.” Who hasn’t pondered that at one time or another? But have you ever wondered how much interest one million dollars earns per year? Interest rates on savings vehicles are currently still pretty low – ranging from a paltry 0.01 percent in a bank savings account […]

The post How Much Interest Would You Earn on a Million Dollars? appeared first on LendEDU.

How to Open a Business Bank Account for Your Startup

How to Open a Business Bank Account for Your Startup


Inc.com

Opening a business bank account for your new endeavor doesn't just serve to legitimize your business idea and make you a real business. It's also a vital consideration for your taxes, according to tax and business attorney Barbara Weltman.

Star Trek: Discovery “Will you take my hand” review

by Adam Mathew @ finder.com.au

"Will You Take My Hand" is a no-frills full-stop to what's otherwise been some of the best sci-fi television in years.

Where to Open a Free Savings Account

Where to Open a Free Savings Account


The Balance

Need a basic account without all the fees? There are several places to open a free savings account, including online, credit unions, and local banks.

Top 8 European Destinations for the Perfect Erasmus Experience

Top 8 European Destinations for the Perfect Erasmus Experience

by Sabrina @ The Spotahome Blog

We explore the top cities in Europe for your Erasmus experience, from the best universities to the perfect nightlife, to sports, fashion and food,

Watch Out for This New Tax Scam

by KaToya Fleming @ MagnifyMoney

Tax season can be the most profitable time of year for savvy thieves. And just a week into filing season, the IRS has uncovered a new trick cybercriminals are using to scam you out of your money. The IRS warns tax preparers and consumers about a new scam in which criminals are using consumers’ account … Continue reading Watch Out for This New Tax Scam

The post Watch Out for This New Tax Scam appeared first on MagnifyMoney.

Panama Papers

by Edmund John @ Flag Theory

Panama Papers – A Different Perspective Panama City – Recently, a giant trove of documents, which was internally leaked from Panamanian law firm Mossack Fonseca, was placed into the hands of German journalists. Some are

The post Panama Papers appeared first on Flag Theory.

How to Open a Swiss Bank Account

How to Open a Swiss Bank Account


wikiHow

Switzerland is known for its impressive banking system, including its legendary privacy policies. It is actually a criminal offense in Switzerland for a banker to reveal private information about bank clients, which in the past was a huge...

The Pros and Cons of Using a Roth IRA for College Savings

by Matt Becker @ Mom and Dad Money

While Roth IRAs are technically retirement accounts, they are incredibly flexible and they have a few characteristics that make them particularly useful for college savings, especially if you're not 100% sure you want to be saving money specifically for education. But there are some downsides too, and in this post we'll explore the pros and cons.

The post The Pros and Cons of Using a Roth IRA for College Savings appeared first on Mom and Dad Money.

Best Bank For Small Business? These 4 Top The List

Best Bank For Small Business? These 4 Top The List


Fundera Ledger

If you’re ready to get serious about your business, you’ll want to set up a business bank account. Use this guide to find the best bank for small business.

Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans

by Lindsay VanSomeren @ MagnifyMoney

Most Americans probably think of fancy white-collar stock traders on Wall Street when they think of Goldman Sachs, a global investment firm that’s been around since the late 19th century. In recent years, Goldman made a major pivot, launching a new arm of the company called GS Bank, which would provide internet-only savings accounts to … Continue reading Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans

The post Marcus by Goldman Sachs Review: GS Bank Takes on Online Savings, CDs, and Personal Loans appeared first on MagnifyMoney.

Why Stripe Atlas is Bad for Foreigners, Digital Nomads, Bootstrappers and You

by Edmund John @ Flag Theory

Why is Stripe Atlas Bad for Foreigners? Taxes, US investors, and compliance headaches – if you don’t want these, avoid Delaware and Stripe Atlas. You can get a company registered, a bank account, and a

The post Why Stripe Atlas is Bad for Foreigners, Digital Nomads, Bootstrappers and You appeared first on Flag Theory.

Spotahome Neighbourhood Guide: Best things to do in Brixton, London

Spotahome Neighbourhood Guide: Best things to do in Brixton, London

by Sabrina @ The Spotahome Blog

Heaven for foodies, clubbers, art and music lovers, Brixton is the right place to be. Here's your guide to the best places to eat, drink, dance and shop.

World’s safest banks and how to evaluate them

by Marc Gras @ Flag Theory

What are the world’s safest banks and how to evaluate them Last week Italian’s government agrees to bail-out (again) Banca Popolare di Vicenza and Veneto Banca with €17 billion. Another case of bank collapse in

The post World’s safest banks and how to evaluate them appeared first on Flag Theory.

Top Basic Bank Accounts: Bad credit option, no fees

Top Basic Bank Accounts: Bad credit option, no fees


MoneySavingExpert.com

Looking to open a basic bank account? Read our expert guide first. Basic bank accounts have no fees and can be opened with a bad credit score

Here’s How to Open an Offshore Bank Account - Premier Offshore Company Services

Here’s How to Open an Offshore Bank Account - Premier Offshore Company Services


Premier Offshore Company Services

It can be very difficult to open an offshore bank account. Whether you’re American, European, or Chinese, times are tough. Most international banks are closing their doors to everyone but those with residency visas. Here’s how to fight through and open an offshore bank account. Opening an account offshore is VERY different from opening one …

Best Events and Festivals in Europe - February 2018

Best Events and Festivals in Europe - February 2018

by Sabrina @ The Spotahome Blog

With Carnival season upon us, we look at the best parties around Europe this February, from the Carnival celebrations in Venice to Chinese New Year.

Things to See & Do in Istanbul in 2 Days

Things to See & Do in Istanbul in 2 Days

by Spotahome @ The Spotahome Blog

A perfect mix of cultures. It's the only city to have been the capital city for 3 different empires. Read on to find the best things to do in Istanbul...

Panama | Residency Visas, Company Incorporation and Banking

by Janice Lin @ Flag Theory

How to get a Residency visa, set up a company and open a bank account in Panama Frequently called the Hong Kong of Latin America, Panama has a reputation for being a tax haven, as

The post Panama | Residency Visas, Company Incorporation and Banking appeared first on Flag Theory.

Electric Ireland’s price increase takes effect

by @ bonkers.ie blog

Electric Ireland received praise from customers and commentators when it announced in October that it would freeze its price until after winter.

The announcement came at a time when other suppliers were hiking prices with little notice and hitting customers with bigger bills at one of the most expensive times of the year.

Well, all good things must come to an end and Electric Ireland’s price freeze is no exception.

From tomorrow, February 1st, over 1.1 million of the supplier’s customers will be paying more for each until of electricity used.

Bills to increase by €35

Electric Ireland’s price increase will add about €35 to average annual bills.

Customers with average consumption will pay about €1,006 for electricity over the next 12 months, as opposed to the €971 they paid over the past year.

The increase is being blamed on increased wholesale energy costs and is generally in line with the increases introduced by other suppliers.

On November 1st, Bord Gáis Energy increased average annual gas and electricity prices by €25 and €57, and SSE Airtricity increased electricity prices by €47 a year.

Then, on December 1st, Energia increased electricity prices by €31, Flogas increased gas prices by €20, Pinergy increased electricity prices by €41 and PrePayPower increased electricity prices by €34.

Electric Ireland’s plan to reward loyalty

Despite the price increase, Electric Ireland has taken measures over the last year to offer long-term savings to its customers.

Last summer, the supplier began adding automatic discounts of between 4% and 8.5% to existing customers’ bills.

The supplier has an estimated 1.13 million electricity customers and holds a market share of nearly 55%, according to the CRU’s Q3 2017 Markets Retail Report.

With so many customers to keep happy, it’s not surprising that the supplier is doing all it can to discourage switching.

How to offset rising energy prices

Ireland’s energy customers haven’t had much to smile about over the last few months.

Seven suppliers have increased prices, the PSO Levy has gone up by 30% and, to make it all even tougher to swallow, in November we learned that Ireland has the fourth highest electricity prices in the EU.

But now for the good news...it’s ridiculously easy to offset the increases.

There are 10 energy suppliers to choose from and most of them are currently offering massive discounts and cashback to new customers who switch.

In fact, there’s an average of €380 to be saved by switching at the moment - more than enough to cancel out your price increase and the PSO Levy hike and leave you with some leftover savings for yourself.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

eir extends 12-month discount offers deadline

by @ bonkers.ie blog

eir has extended the deadline for introductory 12 month discounts on certain bundles, meaning you can make significant savings across dual, triple and quad play deals if you snap them up in time! Let’s take a look at the deals in question.

Dualplay: eir Superfast broadband, Unlimited Mobile & UK Calls

For customers looking for a great broadband and home phone package, this could be the perfect fit.

This competitive dualplay deal is now available to new customers for as little as €40 per month for the first 12 months, rising to €76 per month thereafter.

This shows a total saving of €462 for the first year of your contract.

Tripleplay with TV: eir Vision TV Essential, Broadband, Unlimited Mobile & UK Calls

If you’re in the market for a great new tripleplay deal, you can’t really go wrong with introductory rates like these.

New customers signing up to this tripleplay bundle can expect to pay €45 per month for the first 12 months, rising to €91 per month thereafter.

This makes for a saving of €522 in the first year of your 18 month contract. 

Looking for mobile too?

The value doesn’t end there, however, as customers looking for a bundle that includes mobile in the offering are also looked after.

Customers looking for tripleplay bundles that include mobile rather than TV or indeed quadplay bundles that include all four elements (broadband, home phone, TV and mobile) can also expect 12 month price discounts.

FREE access to eir Sport

Don't forget that customers who sign up to any eir deal also get free access to eir Sport - eir's premium seven channel sports package! 

Is it time to sign up with a new provider?

In the last few months of 2017, we saw all four of Ireland’s biggest broadband providers announce unwelcome price increases but it’s great to see eir compensating by offering such competitive deals to new customers. 

But remember these deals won't last! These discounts will only be available to those who sign up to eir before the 14th of February, 2018. 

If you’re thinking of switching providers to find a more competitive deal, make sure to compare all deals across all providers using our price comparison calculator to ensure that you’re getting the very best value for money.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Compare the best bank accounts in Australia* with no fees | finder.com.au

Compare the best bank accounts in Australia* with no fees | finder.com.au


finder.com.au

What's the best bank to bank with? Here are the top bank accounts to open for personal, internet banking and joint accounts. $0 monthly & $0 ATM fees.

Incorporation, Banking and Residency in Georgia

by Marc Gras @ Flag Theory

Why set up a company and get residency in Georgia Georgia is a tiny ex-Soviet country bathed by the Black Sea, with 4 million inhabitants and 69,700 sq. m., shares borders with Russia, Turkey, Azerbaijan and

The post Incorporation, Banking and Residency in Georgia appeared first on Flag Theory.

How to Replace Weather Stripping at the Bottom of a Door

How to Replace Weather Stripping at the Bottom of a Door

by @ How to of the Day

Weather stripping can be a great way to protect your home from drafts and reduce your energy costs in the winter. The stripping under your door should be replaced when it becomes dry, cracked, or starts to peel off. Felt or foam stripping is affordable and easy to install, and metal, rubber and vinyl typically last longer but cost a little more and can take a while to install. Choose a product that fits your budget, timeframe, and style.

The Top 10 Best Life Insurance Companies in the U.S. in 2018

by Jeff Rose @ Good Financial Cents

Sorting through life insurance policies can be frustrating and time-consuming. We've done the research for you and come up with a list of the top 10 best life insurance companies - so you can get back to enjoying life knowing your loved ones will be taken care of.

The post The Top 10 Best Life Insurance Companies in the U.S. in 2018 appeared first on Good Financial Cents.

Citizenship by Investment in Vanuatu, Offshore Incorporation & Banking

by Marc Gras @ Flag Theory

Why and How to get a 2nd passport, incorporate a company and open a bank account in Vanuatu Vanuatu is a small republic of just 230,000 people, made up of an archipelago of 83 islands of the South

The post Citizenship by Investment in Vanuatu, Offshore Incorporation & Banking appeared first on Flag Theory.

Getting a Chinese Visa in Hong Kong: The 2018 Guide

by Josh Summers @ Travel China Cheaper

If you’re looking for information on visas for Hong Kong or how to get a Chinese visa while in Hong Kong, you’ve come to the right place. This guide to Chinese visas in Hong Kong should answer most questions you might have.   Despite many changes in China’s visa policies, Hong Kong still remains one of […]

The post Getting a Chinese Visa in Hong Kong: The 2018 Guide appeared first on Travel China Cheaper.

Open a Bank Account online with SunTrust - Fast, Easy, Secure

Open a Bank Account online with SunTrust - Fast, Easy, Secure


SunTrust

Opening a SunTrust account is fast and Easy. Pick from our many products and services such as personal checking accounts, savings accounts, credit cards and more.

Best Free Checking Account for 2018 - The Simple Dollar

Best Free Checking Account for 2018 - The Simple Dollar


The Simple Dollar

Free checking accounts used to be commonplace, but as banking has grown more sophisticated it's also gotten more expensive. The Internet, though, has made

USA Entrepreneur Parole, Residency Permits and Visas

by Marc Gras @ Flag Theory

What is and how to get the International Entrepreneur Parole The new US “Start-up Visa” option for foreign entrepreneurs Immigration has played an important role in US business history. Some relevant success entrepreneurship projects in

The post USA Entrepreneur Parole, Residency Permits and Visas appeared first on Flag Theory.

Flag 3: Offshore Company

by Edmund John @ Flag Theory

Incorporation is a prerequisite for any serious business.
You can also experience these benefits:

Banking/investment opportunities otherwise not available
Planting a flag in a strategic location
Mitigation of sovereign risk
Protection from bankruptcy, lawsuits, divorce, civil unrest, and other 'worst case scenarios'
Access to higher risk merchant accounts
Access to funding or investment capital

The post Flag 3: Offshore Company appeared first on Flag Theory.

Best Offshore Bank Accounts

Best Offshore Bank Accounts


Personal Finance Made Easy - Banking, Loans, Credit Card Advice | echeck.org

Our guide to the best offshore bank accounts from around the world

The 10 Best Vanguard Funds

by Jim Wang @ Wallet Hacks

I love Vanguard. The bulk of my investments are there, minus a few dividend growth stocks I hold in an Ally Invest account (formerly TradeKing). I'm not the only one. Of the top 25 largest mutual funds by assets, sixteen are from Vanguard (source). A clarification – many of the funds on the Marketwatch list […]

The post The 10 Best Vanguard Funds appeared first on Wallet Hacks.

The Best Exercise Bikes

by Philip Palermo @ Reviews.com

The Guinea Pig Paradox...

by martin959 @ English Forum Switzerland

So, a friend and I were walking in the street when suddently we saw a petshop, in it among all the animals there were... Guinea Pigs... I enter the Shop to ask how much would it cost to have ONE Guinea Pig, and the employee answer if I already have one, which I answer to that with a simple no... She told me that I should get 2 instead, since according to the law, "Guinea Pigs should always live with a partner since there are quite social pets..." and that might be the case that someone could visit your house to check if your pets are all right and so on... I said thanks and that I was going to think about it anyways, while we were walking away I started to do some simple thinking... IF you have 2 Guinea Pigs, and then suddently one of them dies, you will have to buy another one, so one of the first wont be alone... but then, when this one dies, the 3rd one that you bought will AGAIN be alone, and THEREFORE you will have to buy the 4th one... and son, and on and on and on... We got to a conclusion that if you ever have to buy a Guinea Pig, you will have to buy infinite Guinea Pigs for the rest of your life................................................... Image: https://media.giphy.com/media/tHufwMDTUi20E/giphy.gif (Friday post came early this week... :D )

The Best Whole Life Insurance Company

by Philip Palermo @ Reviews.com

Best Options for Your Child’s First Bank Account - MagnifyMoney

Best Options for Your Child’s First Bank Account - MagnifyMoney


MagnifyMoney

Helping your child build a healthy relationship with money can start with opening his or her very first bank account. We explain how to pick one.

Bury Your Money: Put Your Money & Investments in “Time Capsules”

by Jim Wang @ Wallet Hacks

When I started investing, I eased into it very gently. I didn't trust the stock market. I was comfortable with saving the money. I wasn't comfortable putting it in the “stock market.” My formative adult years started in 1998, the year I started college. I was going to Carnegie Mellon in Pittsburgh and studying Computer […]

The post Bury Your Money: Put Your Money & Investments in “Time Capsules” appeared first on Wallet Hacks.

What is a Certified Financial Planner, and should you use one?

by Jeff Rose @ Good Financial Cents

In this day and age, professionals are laden with the alphabet after their names. My industry is no exception. When I started my career with my previous firm, we immediately acquired the AAMS (Accredited Asset Managment Specialist) Designation. While serving in Iraq, in my downtime I studied for the CRPC (Chartered Retirement Planning Consultant). These... Continue Reading-->

The post What is a Certified Financial Planner, and should you use one? appeared first on Good Financial Cents.

The Best Banks of 2018 | Reviews.com

The Best Banks of 2018 | Reviews.com


Reviews.com

The best bank should maximize your investment with high interest rates and low fees and it should also make saving and money management painless.

7 Under-Appreciated Tourist Stops in Shanghai, China

by Josh Summers @ Travel China Cheaper

When you travel to Shanghai, don’t be surprised when you get inundated with recommendations from guidebooks and travelers telling you all about The Bund, The Pearl Tower and The Yu Gardens. Don’t get me wrong…these are all worthy places to see in Shanghai. But trust me when I say that there is so much more!  Feel […]

The post 7 Under-Appreciated Tourist Stops in Shanghai, China appeared first on Travel China Cheaper.

How to Open a Business Bank Account

by Lisa Furgison @ Bplans BlogHow to Open a Business Bank Account – Bplans Blog

Wherever you decide to open an account, you’ll likely use that bank for years to come. It’s not just a place to hold your money; it’s a business partner that you’ll establish a relationship with and likely turn to for help.

The world’s best countries to retire abroad

by Marc Gras @ Flag Theory

Top countries to make the most of your retirement (and have a high pace of life) Retirement visa programs, cost of living and taxes Currently, retiring overseas is a growing trend among Westerners. There are several

The post The world’s best countries to retire abroad appeared first on Flag Theory.

Switching mortgages: what are the legal fees and which banks will pay them for you?

by @ bonkers.ie blog

Figures from the Banking and Payments Federation of Ireland reveal that just 777 borrowers switched or remortgaged for the third quarter of 2017, and though that number seems small, it represents a 15% growth on the year.

Experts at MyMortgages.ie have predicted that switching will experience double-digit growth in the first six months of 2018. This is because an increasing number of mortgage holders are becoming aware that switching to a lower rate could potentially save them anywhere in the region of €311 per month and €112,000 over the lifetime of an average €350,000 mortgage.

So, with so much to save, why have mortgage holders been so slow to switch?  

Well, switching can be scary, particularly when it comes to your biggest monthly bill. Then there’s all the paperwork and small print. And significantly, there’s also the murky legal fees that are associated with switching too.

If you’re like me, you recoil at the sound of ‘legal fees’, assume that they will always be big, and feel uneasy about the prospect of spending a lot of money without really knowing what it’s going towards.

So, let’s take a closer look at those legal fees, see what they’re for and find out how much they’ll cost you.

Why do I need to pay legal fees to switch mortgage providers?

If you decide to switch mortgage providers, you must employ a solicitor to take care of the processing, paperwork and liaising. Thankfully, when it comes to switching, the cost and workload for the solicitor is about half of what it is when buying a new property.

Most of your legal costs will go on your solicitor’s professional fee, with some extra euro going on his/her outlays, associated costs and, of course, VAT. Here’s a summary of what they’ll do for their fee:

1. First, your solicitor will request the deeds to your home from your old bank and act as the point of contact with your new bank for the switching process.

2. Your solicitor will then invite you in for a consultation to go through the loan offer from your new bank and to advise on any questions or concerns you might have.

3. If you’re happy to proceed with the switch, you’ll sign a new loan agreement, which your solicitor will send to your new bank. If you wish to add a new name to the title deeds of your home, your solicitor can help with that too.

4. Once there’s a legally-binding contract in place, your solicitor will continue to deal with your new bank (and a broker, if there’s one involved) until your loan cheque is issued.

How much can I expect my legal fees to be?

On top of the professional fees for the basic legal services provided by your solicitor, there will also be some “outlays”, which must be covered too. This includes the consultation time, along with the cost of the paperwork and administration. And then there’s VAT.

Although not strictly a legal fee, there is always a valuation fee associated with switching mortgages too, which will cost you between €150 - €250 plus VAT.

All in, legal fees for switching mortgage providers should amount to somewhere between €1,200 and €2,000.

Which banks will cover my legal fees when I switch?

As a clear sign of increasing confidence in Ireland’s property market, most banks are now offering to cover some or all of your legal fees to encourage borrowers to switch. Here’s what’s on offer:

Bank of Ireland – 3% cashback on the mortgage’s total value

If you switch your mortgage to Bank of Ireland before June 30th 2018, you’ll receive an unlimited 2% cashback return on the total value of your mortgage.

So, if you’re buying a home for €200,000 and are taking out a €180,000 mortgage, you’ll get €3,600 back straight away. That will cover your legal fees and should still leave you with something left over for a new coffee machine for your kitchen.

If you are a Bank of Ireland current account customer, get an additional 1% of the original mortgage amount as Cashback after 5 years (subject to meeting the terms of the mortgage). 

KBC - €3,000

If you switch mortgages before March 31st 2018, KBC will contribute €3,000 towards your legal fees. You’ll receive this tidy sum within 30 days of drawing-down your mortgage, and it should cover your legal fees in full. KBC is also offering a 50% discount on its Home Insurance product for 12 months if you switch.

Ulster Bank - €1,500

By switching your mortgage to Ulster Bank, you’ll get €1,500 towards your legal fees. This offer is available until June 30th 2018.  

Permanent TSB - 2% cashback

Switch mortgages to Permanent TSB before March 31st, 2018 and you’ll get 2% cashback on your mortgage at drawdown and now 2% cashback on your mortgage repayment every month until 2027. What does that mean? Check out the following example:

Let's say your mortgage amount is €300,000. At drawdown, you'll get €6,000 back in cash and then you'll get a further €29.40 per month (€352.77 per year) until 2027. (Monthly cashback based on 3-year fixed rate of 3.30% over a 25-year term paid to 2027).

AIB - €2,000

To help cover your switching legal costs, AIB will pay you €2,000 into the current account you use to pay your new mortgage within two months of your switching.

Mortgage interest rates are where the real savings lie

While the prospect of having all switching legal fees covered is enticing, it is the interest rate on offer that will determine whether or not switching mortgages will save you money over the lifetime of your loan. Our mortgage calculator will help you determine where your best long-term option lies.

There are potentially tens of thousands of euros to be saved by switching mortgages. The banks' incentives to switchers are a sign of increasing competition in the mortgage market, which is promising for borrowers. The incentives on offer also confirm that short-term financial costs shouldn't be a deterrent to switching for borrowers who believe they are over-paying, and we hope to see the number of mortgage switchers continue to increase over the coming months.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

Open banking is coming and it's going to change everything

by @ bonkers.ie blog

In the last couple of weeks or months, you may have received an email or letter from your bank informing you of changes known as PSD2 coming into effect in early 2018. If you’re the curious sort, you probably looked into it yourself - but, if like me - you saw an email with the less than compelling subject line of “PSD2 is coming” or something to that effect, you probably scrolled right on past it and went on with your day...

No, it wasn’t just some small and inconsequential change to your bank’s terms and conditions, it’s actually quite a big deal and could have the potential to change how we conduct our day-to-day finances forever.

So, what’s it all about? The very short answer? Banks are now required to grant access to customers’ account details to third parties (at the customers’ discretions of course).

The long answer is a lot more complicated but we’ll endeavour to provide a fairly comprehensive overview of the new EU regulation and what it will mean for you, for banks and for other affected parties.   

What is PSD2?

The ‘2’ in ‘PSD2’ refers to the fact that it is a revised edition of the first Payment Services Directive which was introduced in 2007. PSD1 was designed to create a single market for the payments with the EU.

As time went by, and as customer demands changed and the market saw a distinct growth in new payment-related FinTech (or financial technology) companies, PSD2 seeks to level out the playing field to include all kinds payment service providers and not just traditional banks.

As previously mentioned, PSD2 requires banks to open their payments infrastructure and customer data assets to new forms of payment organisations. This means that banks’ application programming interfaces (or APIs) must be accessible, and they also must ensure strong customer protection through enhanced security measures. This will enable third-parties to build financial services on top of banks’ data and infrastructure.

The new directive aims to drive innovation and transparency amongst banks and fintech companies, reinforce consumer protection, improve internet security where payments are concerned, while also generating more competition in the market for the benefit of consumers.

How will PSD2 affect the banks?

PSD2 poses a real shake-up for banks because it introduces quite a few risks for them, chief among which is the threat of being reduced to a mere infrastructure provider by third party providers who’ll be able to position themselves between them and customers.

Commentators on PSD2 have noted that though open banking poses a threat to banks, it also serves a catalyst for growth and opportunity. Banks who focus on innovation, customer-centricity and collaboration with FinTechs will be those who emerge victorious on the other side.  

Banks are going to have to work very hard to establish methods of combating new players stepping in on their existing business models. PwC suggests a few ways that they could do this; for instance, by offering competitive, user-centric services themselves or interfacing with other banks to provide a comprehensive service that improves the relationship with their existing customers and is attractive to new customers.

We’ve already seen banks experimenting with their APIs and collaborating with fintechs in the last few years (think Apple Pay and Android Pay) in response to changed customer expectation and increased digitalisation, so it will be very interesting to see what kind of customer-centric innovation we will see in the coming years driven by open banking.

Let’s hope it can only mean good news for you and your bank!

How will PSD2 affect me as a banking customer?

So, what will open banking mean for you in a more tangible sense, you ask?

Essentially, PSD2 will break down your bank’s monopoly on your data. It will allow a variety of businesses to retrieve your account data from your bank (always with your permission) to make payments. For example, in the next couple of years you could find yourself paying your bills via Google or Amazon.

The number of new services that could arise as a result of PSD2 regulation are numerous, as suggested by this list of suggestions from PwC;

  • Innovative payment services from merchants that wouldn’t require cards.

  • Apps that give access to information through a single touchpoint or an app that aggregates and monitors expenses across various different bank accounts.

  • Cardless withdrawal via NFC technology will become a convenient and popular option.  

  • Already an existing technology, we could see location-based couponing gaining a lot more traction. This is where nearby companies reach out to you via your smartphone to offer discounts and coupons.

  • Instant P2P payments: Instantaneous payments via mobile wallet on many p2p accounts and towards operators with advanced features

  • Decoupled cards (debit cards not issued by, and not tied to, any particular bank) offering decoupled from payment accounts.

The future is bright

PSD2 shouldn’t be a cause for worry for banking customers, indeed it looks as if it’s the banks who are going to have to make all the effort to keep us interested as the market is opened up to newcomers, doubtlessly offering new and innovative digital financial solutions.

Here at bonkers.ie, we’re expecting to see some interesting things in the coming months and years.

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

The Best Internet Service Providers

by Amanda Cole @ Reviews.com

Immigrate and Invest in Paraguay

by Marc Gras @ Flag Theory

How to get permanent residency in Paraguay, investment opportunities and low taxes Paraguay is a land of opportunities. Often called the heart of America. It is a landlocked country, bordered by Brazil, Argentina and Bolivia.

The post Immigrate and Invest in Paraguay appeared first on Flag Theory.

11 Best CrossFit Gyms In London

by londonguest @ London Expats Guide

There’s a reason the military and police forces around the world use CrossFit as a method of training their recruits. Because it works! It’s a way of honing the body into amazing shape using strength and conditioning in ways other than the bland, corporate gyms that, let’s face it, are boring and du...

The post 11 Best CrossFit Gyms In London appeared first on London Expats Guide.

eir vs Sky vs Virgin Media vs Vodafone – how do they compare?

by @ bonkers.ie blog

If I was to ask you what you look for in a broadband plan, what would you say?

You’d want it to be fast and reliable, right? And not too expensive? Maybe you’d like to see if there are any nice sign-up up bonuses too. Sometimes, these can be very nice indeed!

There a lots of other nitty-gritty details such as landline minutes, HD compatibility and extra TV channels that might be of interest to you too.

But let’s be honest, these features aren’t the most important things to be considering when signing up to a 12- or 18-month contract, are they? They’re side-notes.

Chances are, you mostly care about three basic things when picking a bundle:

    1. What you get

    2. What it costs

    3. What sign-up bonuses are on offer

So let’s put a pin in the distracting details, introductory discounts and head-spinning marketing messages and take a look at how the main providers really stack up.

To create as level a playing field as possible, we’ll compare the entry-level Tripleplay bundles (that’s broadband, TV and home phone) from eir, Sky, Virgin Media and Vodafone. And to make the pricing as clear as possible, we’ll compare the average monthly cost over the course of the contract with each.

Right, them’s the rules. Now let’s get comparing!

eir

1. What do you get?

With eir you get unlimited 100 Mb broadband, a home phone plan and over 50 digital TV channels. Great!

2. What does it cost?

It’s an 18-month contract and costs €50 a month for the first 12 months and €91 a month after that. So, the average monthly cost over the course of the contract is €64.

3. What sign-up bonuses are on offer?

Here’s where it gets really good.

You get eir Sport for free which comes with seven premium live sports channels that usually costs about €20 a month.

With such a long discount and sign-up bonuses like free access to sport, eir will take some beating. And you can sign up to this eir deal now.

Let’s see if Sky can take them on.

Sky

1. What do you get?

With Sky, you get unlimited 100 Mb broadband, a home phone plan and over 50 digital channels. So, essentially the same as eir.

2. What does it cost?

It’s a 12-month contract and the monthly price is €64.50 a month for the first year, rising to €84.50 thereafter. Since it’s a 12-month contract, the good news if you want to leave once the discounted rate comes to an end, you can!

This Sky bundle is available for sign up now.

3. What sign-up bonuses are on offer?

With Sky, you get access to the ridiculously popular Sky Atlantic. Good news for Game of Thrones addicts!

Virgin Media

1. What do you get?

With Virgin Media, you get unlimited 240 Mb broadband, a home phone plan and over 50 digital channels. So, faster broadband than eir and Sky.

2. What does it cost?

Virgin Medias offering €25 off its standard pricing for this offer for the first 12 months (or the entire length of your contract!) so you'll pay €64 per month for the first 12 months, after which the price will rise to €89 a month. As with Sky, it's a 12-month contract so you can switch providers again once the special discount rate comes to an end. 

3. What sign-up bonuses are on offer?

As a new Virgin Media customer, you’ll have exclusive access to its Red House Ninja service. A team of tech experts will visit your home and make sure that you’re getting the best out of your Virgin Media services. The team will install the best modem, check the Wi-Fi signal in every room, repair any old wiring issues, connect all home devices, give advice on how to maximise your in-home speed, as well as ensuring that you are getting the most out of your TV service.

You can sign up for this Virgin Media deal right here, right now.

Vodafone

1. What do you get?

With Vodafone, you get unlimited 100 Mb broadband, a home phone plan and over 50 digital channels. So, basically the same as eir and Sky, but the broadband ain’t as fast as Virgin Media’s.

2. What does it cost?

Until the end of February 2018, you can sign up for this offer and pay just €25 per month for the first 6 months, rising to €80 per month after that. It’s an 18-month contract so the average monthly cost works out at €61.67.

3. What sign-up bonuses are on offer?

You can pick between 6 months of free eir Sport or 6 months of free multi-room viewing.

This Vodafone offer is up for grabs right now.

Who wins?

Well, it’s impossible to pick a clear winner across the board.

Virgin Media has the fastest broadband at the moment but eir and Sky have great sign up incentives.

The key point here is that there are some genuinely fantastic Tripleplay offers out there at the moment.

If you aren’t happy with your broadband speed or the price you’re paying, there’s no reason to settle. All of the deals we’ve covered are available for sign up on bonkers.ie right now.

Provider

Core features

Avg monthly price

Sign up bonus

eir

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • free eir Sport

Sky

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€64.50

  • free Sky Atlantic

Virgin Media

  • 240 Mb broadband

  • 50+ TV channels

  • home phone

€64

  • Red House ninjas

Vodafone

  • 100 Mb broadband

  • 50+ TV channels

  • home phone

€61.67

  • 6 months free eir Sport or

  • 6 months free multiroom

bonkers.ie is a personal finance and price comparison website in Ireland that compares the best broadband and home phone deals, electricity deals, credit card offers, savings accounts, current accounts and loans.

The Best Wedding Insurance

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Survey: 44% of Parents Feel Guilty About Not Saving Enough for College

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If you paid your own way through college, you might want to give your kids the headstart you never had. In fact, 43% of parents currently saving for their child’s college education didn’t receive the same assistance from their parents, according to our survey. Yet, nearly 40% of the parents we surveyed still have student […]

The post Survey: 44% of Parents Feel Guilty About Not Saving Enough for College appeared first on Student Loan Hero.

How to Open a Teen Checking Account - LendEDU

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For most young adults, their personal finance behaviors and habits are acquired during their formative years, and many consider themselves to be financially illiterate. Unfortunately, too many young adults struggle up a steep learning curve, often backsliding due to costly mistakes. Those who are taken under the wings of their parents early on are much more …

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Our paper currency is printed at the Bureau of Engraving and Printing, which is one of the most visited buildings of the U.S. Government. Why is our currency green? Why do we have paper and coin options? U.S. Currency has a colorful history worth exploring. First, let's start at the beginning.

The post A Brief History of U.S. Currency appeared first on CashNetUSA Blog.

An In-Depth Review of Ally Bank’s Rates

by Sarah Li Cain @ MagnifyMoney

Since it spun off from General Motors auto financing in , Ally Bank has proved to be one of the best online-only banks in the industry. Like most online-only banks, Ally charges minimal fees for deposit accounts and requires low or no minimum balances. Rates on Ally’s checking, savings, CD and money market accounts are … Continue reading An In-Depth Review of Ally Bank’s Rates

The post An In-Depth Review of Ally Bank’s Rates appeared first on MagnifyMoney.

Still the easiest place in the world to open an offshore bank account

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Planting an important flag by opening an offshore bank account in this country is so easy that it is well worth the flight to get there.

Banking in Argentina | Opening a Bank Account in Argentina

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Do you need private student loans to cover the cost of your education? Though many prospective borrowers head straight to a big bank or online lender for a student loan, these aren’t your only options. Consider student loans from credit unions, too. Like banks and online lenders, credit unions are financial institutions that lend money. […]

The post Looking for Credit Union Student Loans? Here’s How to Find and Apply for Them appeared first on Student Loan Hero.

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by Jim Wang @ Wallet Hacks

American Express (AMEX) is best known for their credit cards but they do much much more. Credit cards is where they started, many years ago, but now they offer bank accounts too. We know they have great perks on their credit cards, but what about their bank products? Their high yield savings account is called […]

The post American Express Personal Savings Account Review appeared first on Wallet Hacks.

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The invention of bitcoin started the phenomenon of cryptocurrency, and many other digital currencies have since emerged on the market. […]

The post What Is Cryptocurrency? (Infographic) appeared first on Fundera Ledger.

The 6 Best Credit Cards for Business Expenses, No Matter What You Spend On

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Very few things are certain in small business finance, except that no two businesses’ balance sheets are identical. And since […]

The post The 6 Best Credit Cards for Business Expenses, No Matter What You Spend On appeared first on Fundera Ledger.

How Much Does a Post Office Box Cost?

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When I started my business years ago, I thought the responsible business-y thing to do was to get a Post Office box. Why? I honestly don't know. Like business cards, it's just one of those things (at least I use the PO Box!). Since then, I've found that a Post Office Box is a great […]

The post How Much Does a Post Office Box Cost? appeared first on Wallet Hacks.

The 6 Best Small Business Checking Accounts for 2018

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Fit Small Business

There are a lot of factors to consider when choosing the best small business checking account, including costs, terms, and physical locations. Take a look at how the best checking accounts compare for small businesses.

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by Kali McFadden @ MagnifyMoney

As Americans, we’re often focused on status markers, like the amount of money we make, but research indicates that time we spend with people we care about, good health and income equality are some of biggest factors that lead to happiness. It’s not just how much we earn, it’s what we have to do to … Continue reading Places Where Americans Live the Most Balanced Lifestyles

The post Places Where Americans Live the Most Balanced Lifestyles appeared first on MagnifyMoney.

5 Best English Language Audio Programs – Reviewed From Amazon.com

by londonguest @ London Expats Guide

There are lots of English language audio programs available to purchase. It can be a challenge to know which are the best ones – so here is a list of 5 of the best to choose from. All are available to purchase on Amazon.com. 1. Living Language English, Complete Edition  Living Language English, Comp...

The post 5 Best English Language Audio Programs – Reviewed From Amazon.com appeared first on London Expats Guide.

7 Top Questions to Ask Before Opening a Bank Account 

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London vs. Chicago Cost of Living

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Besides being 3958 miles (6370 km) apart, there are other very large differences between Chicago and London. The cost of living is another one of those differences. But surprisingly, according to crowd sourcing data website Numbeo, the average wage after tax in both places is pretty similar. In Chic...

The post London vs. Chicago Cost of Living appeared first on London Expats Guide.

Review of Barclays Online Savings and CDs

by Lindsay VanSomeren @ MagnifyMoney

Barclays is one of the largest and oldest banks in the world. In fact, it’s even older than the United States itself, having been founded by two London bankers in 1690. It’s been chugging along ever since, and while it’s still headquartered in the UK, they’ve branched out to become a multinational corporation with operations … Continue reading Review of Barclays Online Savings and CDs

The post Review of Barclays Online Savings and CDs appeared first on MagnifyMoney.

First Tech Federal Credit Union Review

by Jeff Rose @ Good Financial Cents

There are plenty of different banks and credit unions for you to use all across the country. Each of them has different products, perks, and disadvantages you'll need to consider when you're shopping around for the perfect bank. What separates one from another? Today we're going to look at First Tech Federal Credit Union. We'll... Continue Reading-->

The post First Tech Federal Credit Union Review appeared first on Good Financial Cents.

How to Find the Best Health Savings Account

by Matt Becker @ Mom and Dad Money

Health savings accounts are a fantastic tool. They are actually the ONLY type of account that lets you save money completely tax-free. But finding a good one can be difficult. There are a lot of variables to consider and it can quickly feel overwhelming. So here are the steps I took to find the best health savings account for my personal needs.

The post How to Find the Best Health Savings Account appeared first on Mom and Dad Money.

Navy Federal Credit Union Review

by Jeff Rose @ Good Financial Cents

You probably won't be surprised to hear there are over 6,000 banks and another 6,000 credit unions in the United States. You can't drive down the road without passing at least a dozen different banks. If you're looking for a new bank, it can be an overwhelming search. Each bank or credit union is going... Continue Reading-->

The post Navy Federal Credit Union Review appeared first on Good Financial Cents.

How to Do Homework in the Morning

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by @ How to of the Day

Although it's best to do your homework as soon as you get home from school, sometimes this isn't possible. You might have an extracurricular activity or a family event after school, or you might just be really tired. If this is the case, take a few minutes the night before to organize your notes, then get up bright and early to get your homework done in time for school.

Mashed Potato in Switzerland

by AletschBub @ English Forum Switzerland

I was brought up in Northern Ireland If I don't have potato at least 4 times a week in my evening meal I start to suffer withdrawal symptoms. Obviously I love R�sti - but I need mash. While there is a good selection of potatoes in most Coops (I cant say the same for Migros or Denner) most of them are of the waxy type rather than the floury sort needed for mash. So I buy the oldest narliest looking potatoes and boil and mash them - and they are ok - but not like mash in the UK. So here we come to the confessional bit. After a rant about this recently someone told me to try Stocki (the Swiss equivalent of Smash). I have to confess I rather like it. Have I gone mad in my old age - or is it actually quite good?

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London…Just another city? Or is it really a place that you have to live in your life at least once? After all, there are fabulous places all over this world of ours, each with their own uniqueness – but it has to be said, London is one of those places that’s just, well, that little bit s...

The post Why Should I Move To London? appeared first on London Expats Guide.

The Ultimate Student Experience from Spotahome's Ambassador of the Year

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Dear Two Cents,I&#39;m finally in a position to start saving some money. I now have an adequate emergency fund, and I&#39;d like to eventually get started with basic investing. But for now, I want to earn interest on my emergency fund, as it&#39;s currently just sitting in a low-yield savings account.

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